HMDA Dataset Info¶
| loan_outcome | race | sex | co_applicant | age | income | loan_amount | metro_name | white_population_pct | property_value_ratio | debt_to_income_ratio | combined_loan_to_value_ratio | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1938926 | Loan originated (approved) | White | Female | No co-applicant | 45 through 54 | 35.0 | 125000 | Lakeland-Winter Haven, FL | 51.751907 | 0.895 | Healthy (<36%) | 95.000 |
| 1654081 | Loan originated (approved) | White | Male | Co-applicant | 65 through 74 | 80.0 | 285000 | Tacoma-Lakewood, WA | 92.754146 | 1.534 | Manageable (36-42%) | 61.197 |
| 3150349 | Loan denied | Black | Male | No co-applicant | 45 through 54 | 92.0 | 245000 | Atlanta-Sandy Springs-Alpharetta, GA | 32.345416 | 1.004 | Manageable (36-42%) | 95.000 |
Mortgage outcomes in HMDA data¶
What leads to loan denials?¶
Applicant Characteristics¶
Are disparities focused in any geographic areas?¶
Denial rates in the Chicago metropolitan area:¶
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